HDFC Life Sampoorn Nivesh

HDFC Life Sampoorn Nivesh

You have certain financial goals for your family which may vary as you progress from one life stage to another. Therefore your investments also have to be actively managed to meet those goals and also ensure that you are protecting your family financially.

We understand this and therefore are glad to offer HDFC Life Sampoorn Nivesh, a unique insurance cum investment plan designed specifically with multiple fund options so as to help you optimize your investment. Furthermore, it also provides you with varied benefit options to meet your protection needs.

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  • Flexibility to choose your investment term from 10 to 25 years1
    1. Customize your premium payment options – Single, Limited or Regular
      1. Choice of 3 Benefit Options to suit your financial requirements
        1. Option of accidental death benefit through Extra Life Option
          1. Loyalty additions to enhance your Fund Value after 10 years
            1. Reduced premium allocation charge on investing higher premium amount2
              1. Flexibility to choose from 8 fund options

                111 to 14 years terms are not available
                2Available for premium of 1 lakh & above for limited & regular premium payment options and 10 lakhs & above for single premium payment option

                 

                • HDFC Life Sampoorn Nivesh provides 3 Benefit Options to choose from based on your requirement:
                  1. Classic
                  2. Classic Plus
                  3. Classic Waiver
                • Death Benefit:
                  In case of the Life Assured’s unfortunate demise during the policy term, we will pay a lump sum amount to the nominee as mentioned below:
                  1. Accidental Death Benefit:
                    Get invaluable protection for your family through Extra Life option in case of Accidental Death
                    1. Maturity Benefit:
                      On survival till the end of policy term, you will receive your Fund Value as Maturity Benefit
                      1. Loyalty Additions*
                        Enhance your Fund Value through Guaranteed Loyalty Additions from 10th policy year
                        1. Reduced Allocation Charge*
                          Optimize your investments through Reduced Premium Allocation Charge by investing higher premium
                          1. Flexibilities:
                            1. Get 4 Fund Switch, Premium Redirection and Partial Withdrawal each absolutely free in a policy year
                            2. This plan can be availed by filling short medical questionnaire, which may not require you to go for medicals
                            3. Fill a short questionnaire to avoid medical check-ups
                          2. Tax Benefit:
                            Avail Tax Benefit under Section 80C and Section 10(10D) of Income Tax Act, 1961


                            *For more details on risk factors, terms and conditions, please read the Product Brochure carefully and/or consult Financial Consultant before taking a decision.

                             

                            Classic (Life) Option
                             MinimumMaximum (5 Pay)Maximum (Other than 5 Pay)
                            Age at Entry* 18 years 53 years 58 years
                            Age at Maturity* 28 years 63 years 68 years
                            Classic (Extra Life) Option
                             MinimumMaximum (5 Pay)Maximum (Other than 5 Pay)
                            Age at Entry* 18 years 53 years 58 years
                            Age at Maturity* 28 years 63 years 68 years
                            Classic Plus Option
                             MinimumMaximum (5 Pay)Maximum (Other than 5 Pay)
                            Age at Entry* 0 years (30 days) 48 years 50 years
                            Age at Maturity* 18 years 58 years 60 years
                            Classic Waiver Option
                             MinimumMaximum (5 Pay)Maximum (Other than 5 Pay)
                            Age at Entry* 18 years 47 years 50 years
                            Age at Maturity* 28 years 57 years 60 years

                            *For non-annual modes the applicable maximum maturity age limit shall be less than 2 years of the corresponding age limits for annual mode as mentioned above.

                            ParametersMinimumMaximum
                            Premiums Single: Rs. 24,000
                            Annual: Rs. 24,000
                            Half-yearly: Rs 12,000
                            Quarterly: Rs 6,000
                            Monthly: Rs 2,000
                            No limit
                            Policy Term 10, 15 to 25 years
                            Premium Payment Term Single : One time payment
                            Limited : 5, 7 and 10 years
                            Regular: 10, 15 to 25 years

                             

                            View this interactive video for more information on Savings Plan.

                             

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